| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES A SCOTT & SON INC3 Filed as: JAMES A SCOTT & SONS INC | 1301 OLD GRAVE MILL ROAD LYNCHBURG, VA 24502 | HARTFORD LIFE AND ACCIDENT | $36K | $15K | $51K | 17.97% |
| JAMES A SCOTT & SON INC3 | P O BOX 10489 LYNCHBURG, VA 24506 | DELTA DENTAL OF VIRGINIA | $9K | — | $9K | 4.19% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SONS | 1700 BAYBERRY COURT RICHMOND, VA 23226 | EYEMED | $4K | — | $4K | 9.71% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 973 | $209K |
| Vision | EYEMED | 912 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,020 | $285K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,020 | $285K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,020 | $285K |
| Stop-loss / reinsurancereinsurance | HEALTHKEEPERS, INC. | 722 | $459K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,642 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,642 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.